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Long Term Care Insurance

Trust GEBA - To Advise Feds on More Care Choices

GEBA’s Long Term Care (LTC) options may help mitigate financial risk when you can no longer care for yourself. Long Term Care Insurance can help you maintain your independence and relieve financial and caregiving pressure on your family.


  • Traditional health insurance, including Medicare and Medicaid, do not cover long term care costs.
  • Family members may not be in a position to help.
  • Long term care can span years – and can be extremely expensive.

With GEBA, we know there is no “one size fits all” solution. Our expert advisors help with options that best suit individual needs and in the context of your whole financial plan.

But don’t take our word for it. Here’s what Feds who have attended a GEBA LTC webinar say:
“Extremely helpful to hear about the different options. This gave me some hope that I can figure out
long term care as part of the retirement puzzle.”

Choose GEBA and join more than 16,000 satisfied members of the intelligence community, broader federal workforce, the military, and their family members. Membership in GEBA is free – and includes more choices and savings – as long as you maintain coverage.

What Does Long Term Care Cover?

Long term care benefits a person in the event he or she suffers from a prolonged physical illness, a disability, or cognitive impairment.

It is designed to help pay for assistance with daily living including bathing, dressing, eating, toileting, and taking medications over a period of months or years.

It can pay for home health care, respite care, hospice care, adult daycare, assisted living facility, or nursing home services.

This type of support is not covered by Medicare or other types of insurance.

Why Should You Buy Long Term Care Now?

Because rates are based on age and health, it’s best to start shopping for a policy when you’re younger and healthy. The ages between late 40’s to mid-60’s often makes sense. You can buy a policy at 65 or even older but expect to pay considerably more.

If you wait too long and develop health issues, you may not qualify or it may become too expensive.

How Does Long Term Care Work?

Long Term Care Insurance charges a fixed cost (premium)* to protect against the risk of much larger out-of-pocket expenses in the future. Your cost depends on several factors including age, health, and family health history. You also have the flexibility to tailor your policy to meet your needs and budget.

Traditional plans, like the Federal Long Term Care Insurance Plan, cover long term care only. These plans provide the greatest stand-alone coverage, but they don’t offer other benefits.

GEBA can help you explore all of your options including shared plans and hybrid plans.

Exclusive Benefits from the Same Organization Your Peers Have Trusted Since 1957.

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If you are a Long Term Care policyholder who is being billed by the Underwriter, it is necessary to contact the Underwriter directly.

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